Credit Cards by UnionBank
Updated: Aug 27, 2025
Credit cards can sometimes be complicated to use, even if they should make life easier. Good thing UnionBank credit cards are uncomplicated accessories because of their wide selection of cards that suit different lifestyles. Everyone is represented with UnionBank credit cards: the online shopper, the gamer, the traveler, the premium perk seeker, and the classic card lovers, among others. If you’re looking for specific features like rewards and cash back, there are also cards for you. So pick the best one for you and start your UnionBank credit card application online!
Why Trust Moneymax?
Min. Annual Income
₱ 180,000Interest Rate
3 %Annual Fee
FreeApply through Moneymax and choose from 9 premium rewards:
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
Repayment Details
Minimum Payment: ₱500
Late Payment Charge: None
Interest on Purchase: None
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3.525 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Min. Annual Income
₱ 180,000Monthly Effective Interest Rate
3 %Annual Fee
FreeApply through Moneymax and choose from 9 premium rewards:
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Min. Annual Income
₱ 180,000Interest Rate
3 %Annual Fee
₱ 4,500 per yearApply through Moneymax and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
Repayment Details
Interest on Cash Advance: 3.04 %
Minimum Payment: ₱500
Fees
Annual Fee: ₱4,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Min. Annual Income
₱ 360,000Annual Fee
₱ 5,000 per yearInterest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: -
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Min. Annual Income
₱ 180,000Interest Rate
3 %Annual Fee
₱ 2,800 per yearApply through Moneymax and choose from 9 premium rewards:
- 5% rebate on Shell fuel spend
- 5% rebate on RFID load purchases
- 5% rebate on auto repairs, accessories, and services
- 10% discount at Shell Helix Oil Change packages
- Access to 24/7 roadside assistance
- Ideal for: car owners and Shell station frequenters
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱2,800 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Min. Annual Income
₱ 360,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn 6x Lazada Credits for every ₱200 spent on the app.
- Earn 1 Lazada Credit for purchases made to other merchants.
- Enjoy exclusive discounts from select Lazada merchants.
- Ideal for: online shoppers and frequent Lazada users.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 3 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Min. Annual Income
₱ 360,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Min. Annual Income
₱ 600,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 5,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn one (1) Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Free unlimited access to NAIA Terminal 3 - Pacific Lounge.
- Free travel insurance and other premium travel perks.
- Early alerts to upcoming Cebu Pacific seat sales.
- Ideal for: frequent leisure or business travelers.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old
Min. Annual Income
₱ 180,000Interest Rate
3 %Annual Fee
₱ 3,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn 1 point for every ₱200 spend
- 1 Go Reward point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get an Exclusive Black Membership Lane in The Marketplace and Shopwise
- Enjoy exclusive offers and deals from Go Rewards partners
- Ideal for: shoppers who frequent Robinsons Malls and Robinsons Retail stores
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Min. Annual Income
₱ 180,000Interest Rate
3 %Annual Fee
₱ 5,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn 1 Go Rewards point for every ₱100 spend in Robinsons Retail stores such as Robinsons Department Store, Robinsons Supermarket, Cebu Pacific, Daiso, and Caltex
- Earn 1 Go Rewards point for every ₱200 on all other spend
- 1 Go Rewards point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get free delivery at Savers Appliances for the first 5 kilometers
- Ideal for: individuals who love to shop at Robinsons Retail Stores and love VIP treatment
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 2 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Min. Annual Income
₱ 600,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old
Min. Annual Income
₱ 360,000Interest Rate
3 %Annual Fee
₱ 1,500 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn one (1) PlayPoint for every ₱10 spend
- Redeem your points through the UnionBank Online app
- Set up your Avatar and join the leaderboards
- Enjoy exclusive deals and rewards worldwide
- Ideal for: first-time credit cardholders, gamers, and young adults
Repayment Details
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Frequently Asked Questions
- Cash Back on Everything - Confused with different cash back rates for different categories that other credit cards offer? UnionBank credit cards make things simple by letting you earn cash back on all purchases. The UnionBank Platinum Mastercard and UnionBank Gold Mastercard are examples of cards with 1% cash back on everything.
- Premium Travel Perks and Rewards - Avid travelers will have more than enough to choose from with UnionBank’s vast selection of travel credit cards. Earn more reward points when you spend on travel-related purchases and redeem your reward points for travel rewards such as air miles and fuel cards. If you prefer to travel via airlines, use your unlimited access to NAIA airport lounges for some R&R before boarding. And if you love to travel via Cebu Pacific, you have not one, but two Cebu Pacific co-branded cards to choose from.
- 0% Interest Installment Plans - Partake in a little luxury, knowing you can pay for it on your own terms. UnionBank credit cards have affordable and flexible installment payments ideal for your budget. Installment plans are payable up to 36 months and selected items have 0% interest for items priced at ₱3,000 or higher.
- Attractive Welcome Gifts - Need another good reason to apply for a UnionBank credit card? Check out their roster of welcome gifts! Selected UnionBank cards offer attractive welcome gifts varying per card and promo period. Some gift examples include gadgets, eGCs, reward points, and rebates.
- Exclusive Deals and Promos - Who doesn’t want freebies and discounts? You’re in for a treat because UnionBank credit cards have exclusive discounts and promos for you all year round! Pick your choice of exclusive shopping, travel, dining, and lifestyle offerings from partner merchants nationwide.
- Unique Credit Cards for Every Interest - We’re not kidding when we said UnionBank credit cards cater to different interests. There’s a card for online shoppers like the UnionBank Lazada Credit Card and Cebu Pacific flyers through several co-branded credit cards. Even cards like the UnionBank PlayEveryday Card, the first of its kind, are tailor-fitted for gamers looking to gamify their finances.
- Award-winning Mobile App - Straightforward, convenient, and secure. Count on these words when you download the UnionBank Online app. Manage your credit card transactions wherever you go and access special features like Spend Tracker and Control your Visa Card. Login is made secure with an OTP requirement and an optional face or fingerprint ID login. It’s one of the best banking apps out there with proof to boot—it won the Best Digital Bank Philippines Award from The Digital Banker during their Global Retail Banking Innovation Awards 2020.
- Must be at least 18 to 70 years old
- Must be a Filipino or a foreigner with local residence
- 1 valid government ID with photo and signature (e.g. SSS, UMID, TIN, Passport, Driver’s License)
- Any of the following:
- Latest ITR (Form 1701), Certificate of Compensation Payment and Tax Withheld, or other similar documents
- 3 months' latest payslip
- Certificate of Employment or employment contract
- BIR Form 2316 or other similar documents
- Proof of pension
- 3 months latest copy of Bank Statement of Account from another bank
- Additional requirement for foreigners: Alien Certificate of Registration (ACR) or other similar documents
There’s a UnionBank credit card for every individual. Choose from an abundant selection that includes UnionBank premium, co-branded, category-specific, and interest-focused cards. Earn points with every swipe and redeem exclusive deals and freebies from partner outlets.
Plus, get instant cash back and a 0% interest rate on high-ticket purchases. There’s also the UnionBank Online app, a helpful and well-made tool to easily access your credit card information, rewards, and cash back. Excited? Here are other features you’ll love from UnionBank credit cards:
Both Filipinos and foreigners residing in the Philippines can apply for any UnionBank credit card as long as they fit the following criteria:
You only need a few documents to apply and get approved for a UnionBank credit card. Documents differ depending on your residence status as seen below: